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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44354 reviews)

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4.86

Based on 44,354 reviews, last reviewed 1st Sep 2026

100% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026

Latest lowest rating:

1

This is illegal company, they charge about every thi... This is illegal company, they charge about every thing sometimes even for nothing... Government should be enquire about this...I can challenge it's a ... Read more Reviewed on: 1st September 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44354)

Great

No hassle from start to finish. Regular updates about my account. No silly emails. Just simple payments and easy access to my account online. Overall pleased with it all Reviewed on: 21st February 2023

Interest increases

I have had 5 interest rate increases in the past 12 months, 2 increases were 1 month apart. I have never been offered a credit limit increase and have had the card for 2 years +, leading me to take a new card from another provider who instantly gave me a credit limit 6 times larger than zopa, and also gave me a far lower interest rate. Reviewed on: 21st February 2023

A very efficient app and great service.

I was offered the card via Clear Score. It is far more user friendly than other cards with a great app. Reviewed on: 21st February 2023

It was really helpful

When I was in need I got help from you. Thank you so much Reviewed on: 21st February 2023

A fair way to get credit that feels right

I was pleased to get a Zopa credit card, I like the business model and have found the app very easy to use. Reviewed on: 21st February 2023

Easy access

Good little company easy to use app very clear and concise Reviewed on: 21st February 2023

Good job

Very good card i have this card 6 Mounts Reviewed on: 21st February 2023

Great customer service

I have had a zopa credit card for a few years now and any issues I have had there customer service team has been brilliant Reviewed on: 21st February 2023

Easy to use

The application was simple and I like the updates provided. Reviewed on: 21st February 2023

Good

Good customer service Easy to use app Reviewed on: 21st February 2023

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